Seattle Metropolitan Credit Union in Washington vs the state
16.3%Denial rate+0.64 pts vs state
37.1%Decision denial rate+17.57 pts vs state
24.9%Origination rate-36.17 pts vs state
7.00%Median rate+0.38 pts vs state
0.60Rate spread (pts)+0.42 pts vs state
$134kMedian applicant income
55Loans originated
36Denied
Trend in Washington
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 392 | 190 | 2.6% | 8.06% | #104 |
| 2024 | 316 | 132 | 7.0% | 7.00% | #125 |
| 2025 | 221 | 55 | 16.3% | 7.00% | #182 |
What Seattle Metropolitan Credit Union lends in Washington
By loan purpose
By loan type
Why it denied Washington applicants
Where in Washington
Counties with the most Seattle Metropolitan Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| King County | 106 | 22 | 14 | 13.2% |
| Snohomish County | 38 | 11 | 6 | 15.8% |
| Pierce County | 23 | 5 | 3 | 13.0% |
| Yakima County | 21 | 10 | 6 | 28.6% |
| Benton County | 5 | 2 | 1 | 20.0% |
| Thurston County | 5 | 0 | 2 | 40.0% |
| Spokane County | 4 | 1 | 0 | 0.0% |
| Franklin County | 3 | 0 | 0 | 0.0% |
| Grant County | 2 | 1 | 0 | 0.0% |
| Stevens County | 2 | 0 | 1 | 50.0% |
Other large lenders in Washington
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Boeing Employees Credit Union | B | 21,599 | 23.8% | 6.13% |
| Rocket Mortgage | C | 14,301 | 15.9% | 6.63% |
| United Shore Financial Services | B | 13,770 | 10.0% | 6.13% |
| Guild Mortgage | A | 8,056 | 3.4% | 6.63% |
| CMG Mortgage | A | 7,817 | 3.1% | 6.63% |
| Movement Mortgage | A | 7,472 | 3.6% | 6.63% |
| Bank of America | F | 6,986 | 27.0% | 5.99% |
| Crosscountry Mortgage | B | 6,903 | 3.1% | 6.63% |
| U.S. Bank | D | 6,568 | 27.6% | 6.63% |
| Newrez | D | 5,849 | 12.9% | 6.63% |
Frequently asked questions
Washington: 221 applications in 2025, of which 55 were originated and 36 denied.
16.3% of all applications, or 37.1% of the applications it actually decided on. The Washington statewide average across all lenders was 15.7%.
The median rate on loans Seattle Metropolitan Credit Union originated in Washington in 2025 was 7.00%, against a statewide median of 6.63%.
About this data. Figures are Seattle Metropolitan Credit Union's own HMDA filing for properties located in Washington, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology